american express platinum by Crossofchanges

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									SUMMARY OF PLATINUM
BUSINESS CREDIT CARD
BENEFITS SECTION 2                                                                                                           SUMMARY OF PLATINUM
This document provides details of Global Assist for the benefit of American Express Cardmembers.
The Global Assist benefit is serviced by Inter Partner Assistance Direktion fur Deutschland of
Garmischer Strasse 10 D-80339 Munich Germany with registration number HRB 98 866.
                                                                                                                             BUSINESS CREDIT CARD
The Global Assist helpline provides immediate assistance in an emergency when travelling outside the                         BENEFITS SECTION 1
UK. This emergency service is available exclusively to you as an American Express Cardmember and
dependent members of your family travelling with you. It operates 24 hours a day, every day of the                           This document is not a contract of insurance but summarises an insurance policy which provides
year on +44 (0) 845 456 6524                                                                                                 insurance benefits and coverage held for the benefit of American Express Platinum Business Credit
                                                                                                                             Cardmembers.
If you have a medical problem, a fully qualified English-speaking doctor is on hand to provide advice.                       The insurance is underwritten by ACE European Group Limited under policy number 51UK429031.
When you need to see a doctor, dentist or optician, or you need to visit a local hospital, Global Assist
can provide names, addresses and telephone numbers from a network of carefully selected specialists.                         Section 1.1 - Travel Accident
We can arrange hospitalisation, a doctor to visit you where required and an advance of medical                               Section 1.2 - Purchase Protection
expenses up to GBP 250
                                                                                                                                  policy provides insurance coverage the benefit of of American Express Cardmembers. The is held
                                                                                                                             The policy provides insurance coverage forfor the benefitAmerican Express Cardmembers. The policy policy by
Global Assist will arrange for urgent items that are lost or left behind, and unavailable locally, to be                     American American Express Services Europe Limited of Portland House, Stag Place, London, SW1W
                                                                                                                             is held byExpress Services Europe Limited of Belgrave House, 76 Buckingham Palace Road London SW1E 9AX,
dispatched to you, such as prescriptions and contact lenses. Up to two messages can be relayed to                            UK. which is Number: 1833139 which only only policyholder and only the contract of insurance against
                                                                                                                             5BZRegisteredthe only policyholder andis the it has direct rights under it has direct rights under the contract of
relatives or business associates to let them know what is happening.                                                         insurance against the insurer. held rights benefit for the in trust for) American Express Cardmembers.
                                                                                                                             the insurer. These rights are Thesefor the are heldof (and benefit of (and in trust for) American Express
                                                                                                                             This document summarises the terms and conditions of the benefits available under the policy of
                                                                                                                             ardmembers. This document summarises the terms and conditions of the benefits available under the policy of
In case of legal difficulties, Global Assist will put you in touch with the relevant embassy or consulate,                   insurance for UK American Express Platinum Business Credit Cardmembers; it does not give
provide the name of a local lawyer, and an advance of legal fees up to GBP 250.
                                                                                                                             insurance for UK American Express the policy. Strict Credit Cardmembers; it does not conditions is
                                                                                                                             Cardmembers direct rights under Platinum Business compliance with the terms and give Cardmembers direct
                                                                                                                             rights under the policy. Strict a benefit.
                                                                                                                             required if you are to receivecompliance with the terms and conditions is required if you are to recive a benefit.
You can be advanced up to GBP 250 if your money is lost or stolen and no other means of obtaining
cash is available.                                                                                                           Under the Financial Service Authority’s conduct of business rules, Cardmembers will not be customers
                                                                                                                             of ACE European Group Limited or of American Express Services Europe Limited. The provision of
For all the above services, Global Assist makes the necessary arrangements free of charge. Any cash                          these insurance benefits to Cardmembers falls outside regulation by the Financial Services Authority.
advances, medical or shipping or other costs will be charged to your Card.
                                                                                                                             ELIGIBILITY

                                                                                                                             The benefits summarised in this document are dependent upon the use of the American Express Card
                                                                                                                             as shown in each Section. American Express Services Europe Limited will give you notice if there are
                                                                                                                             any material changes to the policy or if it is cancelled or expires without renewal on equivalent terms.

                                                                                                                             GENERAL DEFINITIONS

                                                                                                                             The words below have special meaning and will appear in bold throughout Sections 1.1 and 1.2
                                                                                                                             “Administrator” means the Insurer or its claims handling agent which is ACE European Group Limited
                                                                                                                             “Beneficiary” means You, Your legally married spouse, domestic partner or same sex partner living at
                                                                                                                             Your address, or dependent children under age 23, while on a Covered Trip
                                                                                                                             “Insurer” means ACE European Group Limited, 100 Leadenhall Street London EC3A 3BP, authorised
                                                                                                                             and regulated by the Financial Services Authority with registration number FRN 202803
                                                                                                                             “Our/Us/We” means American Express Services Europe Limited
                                                                                                                             “Policy” means the policy of insurance detailed above.
                                                                                                                             “You/Your” means the holder of an American Express Platinum Business Credit Card including
                                                                                                                             supplementary Cards issued by Us and billed in the United Kingdom.

                                                                                                                             IMPORTANT THINGS TO KNOW for Sections 1.1 and 1.2

                                                                                                                             Law of the Policy

                                                                                                                             The Policy and any rights or benefits arising from it are governed by the law of England and Wales
                                                                                                                             whose courts alone shall have jurisdiction in any dispute. The Policy excludes the operation of the
                                                                                                                             Contracts (Rights of Third Parties) Act 1999.

                                                                                                                             Claiming Benefits

                                                                                                                             In relation to any benefit sought by You, We authorise You, as Our agent, to notify the Insurer (or its
                                                                                                                             agent) and make a claim under the Policy on Our behalf and to agree, receive and/or direct payment in
                                                                                                                             relation to all benefits available under the Policies. This authority does not extend to bringing legal
                                                                                                                             proceedings against the Insurer whether in Your own name or in Our name; such proceedings can only
                                                                                                                             be commenced by Us. Where a claim has been rejected by the Insurer, We reserve the right to decide,
                                                                                                                             in Our absolute discretion, whether or not to bring any such proceedings and whether or not to make
                                                                                                                             any ex gratia payments to You.
                                                                                                                             If a claim is to be made, You must contact the Administrator set out below within 30 days of the event
                                                                                                                             giving rise to the claim or as soon as possible after that.

                                                                                                                             FAILURE TO COMPLY WITH THE SPECIFIED TIMEFRAME MAY PUT YOUR
                                                                                                                             BENEFIT IN JEOPARDY

                                                                                                                             For Travel Accident (Section 1.1: reference number: 51UK400120), Purchase Protection (Section 1.2:
                                                                                                             CAM3970 04/07




                                                                                                                             reference number: 51UK400902). You should contact:
                                                                                                                             ACE European Group Limited, Ashdown House, 125 High Street, Crawley, West Sussex. RH10 1DQ
                                                                                                                             +44 (0) 1293 725830

                American Express Services Europe Limited                                                                     Submission of a claim under the Policies does not relinquish You from Your responsibility to settle
     Registered Office: Belgrave House, 76 Buckingham Palace Road                                                            Your Card account in accordance with Your Cardmember Agreement.
                                                                                                                             If You are unhappy about the standard of service, please write to the Administrator for the relevant
         London SW1W 9AX, UK. Registered Number: 1833139                                                                     benefit at the addresses listed above. If You are still unhappy, please write to Us at American Express
 is an Appointed Representative for insurance mediation activities only, of                                                  Services Europe Limited, Belgrave House, Stag Place, London, Road 5BZ.
                                                                                                                             Services Europe Limited of Portland House, 76 Buckingham PalaceSW1E London SW1W 9AX, UK. Registered
   American Express Insurance Services Limited which is authorised and                                                       Number: 1833139
               regulated by the Financial Services Authority.
SECTION 1.1 TRAVEL ACCIDENT                                                                                 SECTION 1.2 PURCHASE PROTECTION

DEFINITIONS                                                                                                 DEFINITIONS

The words below have special meaning when used in Section 1.1.                                              The words below have special meaning when used in Section 1.2.
“Benefit Amount” means the amount of money the Insurer will pay depending on the Loss the                   “Eligible Item” means an item
Beneficiary sustains.                                                                                       a) purchased solely for personal use; and
“Bodily Injury” means injury which:                                                                         b) the cost of which has been charged to Your American Express Card account; and
a) is caused by an accident; and                                                                            c) not listed as an item which the Insurer will not pay for; and
b) is caused solely and directly by visible violent external means; and                                     d) that has had no previous owner; and
c) results in a Loss directly and independently of all other causes.                                        e) not purchased privately.
“Covered Trip” means:                                                                                       “Purchase Price” means the lower of the amounts shown on either Your billing statement or the store
a) a trip by Public Conveyance where the entire fare has been charged to an American Express Card           receipt for the Eligible Item.
account, prior to any Bodily Injury occurring; and
b) a trip taken by the Beneficiary between a point of departure and the final destination as shown on       HOW AND WHEN CAN YOU BENEFIT?
the Beneficiary’s ticket.
“Hijack” means that the control of the Public Conveyance in which the Beneficiary is travelling is          1) In the event of the theft or damage to an Eligible Item within 90 days of purchase, the Insurer will,
involuntarily passed from the regular crew to a person or persons who have used, or threatened to use,      at the Insurer’s option, replace or repair the Eligible Item or pay Us to credit Your American Express
violent means to obtain such control.                                                                       card account with an amount not exceeding the Purchase Price of the Eligible Item, or GBP 20,000 in
“Loss” where used with reference to hand or foot means complete and permanent loss of the use of or         any one event, whichever is the lower.
severance at or above wrist or ankle joint; and as used with reference to eye means the irrecoverable       2) The Insurer will not pay more than GBP 20,000 in any one 365 day period.
loss of entire sight of that eye; or death.                                                                 3) The Insurer will not pay more than GBP 2,500 in the aggregate for any one event in respect of
“Public Conveyance” means an air, land or water vehicle operated under license for the transportation       jewellery, watches, precious metals and gem stones.
of fare paying passengers.
                                                                                                            EXCLUSIONS
HOW AND WHEN CAN YOU BENEFIT?
                                                                                                            1) The Insurer will not pay:
1) If during a Covered Trip, the Beneficiary suffers a Bodily Injury which:                                 a) for the first GBP 50 of any one claim; or
a) occurs while riding as a passenger in, boarding or alighting from or being struck by a Public            b) for damage to Eligible Items caused by physical abuse by a Beneficiary; or
Conveyance; or                                                                                              c) for theft or damage to Eligible Items bought fraudulently by You; or
b) occurs while going directly to or whilst on the premises of an airport, seaport or railway station for   d) for false or fraudulent claims; or
the purpose of boarding an aircraft, ship or train for a Covered Trip; or                                   e) for lost or stolen Eligible Items not reported to the Police within 48 hours of discovery and a written
c) occurs while on the premises of an airport, seaport or railway station immediately after alighting       report obtained; or
from an aircraft, ship or train used for a Covered Trip; and                                                f) for Eligible Items left unattended in a place accessible to the public; or
within 365 days of the accident date results in a Loss, the Insurer will pay the applicable Benefit         g) for normal wear and tear of Eligible Items; or
Amount in accordance with the Benefit Schedule.                                                             h) for mysterious disappearance of Eligible Items; or
                                                                                                            i) for damage to Eligible Items caused by product defects; or
                                                                                                            j) for theft or damage to Eligible Items in a motor vehicle or as a result of the theft of said motor
                                                                                                            vehicle; or
  Benefit Schedule                                                         American Express Platinum        k) for theft or damage to Eligible Items caused by declared or undeclared war, confiscation by order of
                                                                             Business Credit Card           any government or public authority, or arising from illegal acts; or
                                                                                                            I) for theft, or damage to jewellery, watches, precious metals and gemstones in baggage unless carried
  Death                                                                          GBP 150,000
                                                                                                            by hand and under a Beneficiary’s personal supervision or under the supervision of a travelling
  Loss of both hands or both feet                                                GBP 150,000                companion previously known to a Beneficiary; or
  Loss of one hand and one foot                                                  GBP 150,000                m) for theft, or damage to cash, or its equivalents, travellers cheques, tickets or any negotiable
  Loss of the entire sight of both eyes                                          GBP 150,000                instruments; or
  Loss of the entire sight of one eye                                                                       n) for theft, or damage to animals and living plants; perishable goods, or
  and the Loss of one hand or one foot                                              GBP 150,000             o) for theft, or damage to electronic items and equipment, including but not limited to, personal
                                                                                                            stereos, MP3 players, such as computers or computer-related equipment whilst at a Beneficiary’s
  Loss of one hand or one foot or the entire sight of one eye                       GBP 75,000
                                                                                                            place of employment.
2) In the event of an accident on a Covered Trip, which results in the disappearance, sinking or            IMPORTANT THINGS TO KNOW
wrecking of the Public Conveyance and:
a) the Beneficiary is unavoidably exposed to the elements and as a result of such exposure, suffers         1) The benefit of the insurance under the Policy is supplementary, and not a substitute for other
within 365 days of the accident date a Loss; or                                                             insurance, which also covers these benefits. This also applies to insurance policies that state that their
b) the Beneficiary’s body has not been found within 365 days after the date of such accident, it will be    coverage is subsidiary to others. The Insurer will only pay amounts to the extent that they have not
presumed, subject to there being no evidence to the contrary, that the Beneficiary has deceased as a        been paid by other insurance. You have the choice of which insurer to contact. By contacting the
result of Bodily Injury.                                                                                    Insurer, You agree to inform the Insurer of any other insurance coverage and seek reimbursement from
The Insurer will pay the applicable Benefit Amount in accordance with the Benefit Schedule, but             the other insurer(s).
before the Insurer does this, the administrator responsible for that person's estate must sign an           2) Claims made for an Eligible Item belonging to a pair or set, will be paid to You up to the full
agreement that they pay back that amount if the Beneficiary turns out to be alive.                          Purchase Price of the Pair or Set, provided the items are not useable individually and cannot be
3) In the event of a Hijack the Insurer will pay the Beneficiary:                                           replaced individually.
a) GBP 1,500 after the first 24 hours during which the Beneficiary is illegally detained; and               3) If You purchase the Eligible Item as a gift for someone else, You may request the Insurer to pay a
b) a further GBP 3,000 after the first 72 hours during which the Beneficiary is illegally detained.         valid claim directly to the recipient of the gift.
                                                                                                            4) If an Eligible Item has been partially paid for with Your American Express Card, then the Insurer will
EXCLUSIONS                                                                                                  only pay that percentage of the price.
                                                                                                            5) You must exercise due diligence and do all things reasonably practicable to avoid any theft or
1) The Insurer will not pay for any Loss caused by or resulting from:                                       damage to an Eligible Item.
a) the Beneficiary's suicide or attempted suicide regardless of mental state of health; or                  6) You will need to transfer to the Administrator, on the Administrator’s request and at Your expense,
b) declared or undeclared war; or                                                                           any damaged item or part of a pair or set, and assign the legal rights to recover from the party
c) illegal acts of a Beneficiary or their designated beneficiary executor(s) or administrator(s), legal     responsible up to the amount the Insurer has paid.
heir(s) or personal representative(s); or                                                                   7) Any Eligible Item which has been left unattended in a place accessible to the public and which is not
d) the actual, alleged or threatened discharge, dispersal, seepage, migration, escape, release of or        subsequently recovered shall not constitute theft.
exposure to any hazardous biological, chemical, nuclear or radioactive material, gas, matter or
contamination.

IMPORTANT THINGS TO KNOW

1) The Insurer will not pay for more than one Loss, caused by a Bodily Injury to a Beneficiary, as a
result of any one accident. In the event of more than one Loss the highest Benefit Amount will apply.
2) The Insurer will not pay interest on any Benefit Amount payable.
3) In the event of You having multiple American Express Cards or Accounts, the Insurer will not pay
more than the highest Benefit Amount stated for any one Loss as a result of any one accident.
4) The Benefit Amount for death, or any other Benefit Amount unpaid at the Beneficiary's death, will
be paid to the Beneficiary's estate. The receipt from the estate to which the payment is made will fully
discharge the Insurer’s obligations under the Policy.

								
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